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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,351 | $102,696-7.2% | $86,235+10.6% | $139,487-31.6% |
| Participation rate | 55.6% | 74.5%-18.9pp | 69.0%-13.4pp | 80.3%-24.8pp |
| Annual return | 12.77% | 1925.91%-1913.1pp | 1170.03%-1157.3pp | 373.84%-361.1pp |
| Employer contribution / active EE | $1,606 | $3,034-47.1% | $2,381-32.6% | $4,755-66.2% |
| Participant deferral / active EE | $3,522 | $4,679-24.7% | $3,987-11.7% | $6,713-47.5% |
| Admin fee / account holder | $493 | $8,667-94.3% | $6,856-92.8% | $11,407-95.7% |